- Benefit
- Pledged home with an assessed value of KRW 1.2 billion or less, and one spouse aged 55 or older. For new applications from 2026-03-01, monthly payments rise 3.13% (age 72, KRW 400 million home: KRW 1.297 million to KRW 1.338 million); initial guarantee fee 1.0% (previously 1.5%), annual guarantee fee 0.95%. From 6/1, expanded preference for lower-priced homes and exceptions to the actual-residence requirement for reasons such as illness or care. For owners of multiple homes, confirm conditions such as a combined value of KRW 1.2 billion or less.
- Who is eligible
- One spouse aged 55 or older, combined value of owned homes KRW 1.2 billion or less (based on assessed value, etc.), a home the applicant lives in.
- When to apply
- Apply anytime. Enroll after consulting the Korea Housing Finance Corporation (한국주택금융공사).
- How to apply
- Apply after a prior consultation at a Korea Housing Finance Corporation branch or hf.go.kr; linked banks.
- Important notes
- Monthly payments are set by the time of enrollment, age and home price, so decide after consultation.
- Note
- Not applied retroactively to existing subscribers. On death, accounts are settled and any remaining amount goes to heirs.
Based on official sources as of 2026년 10월. Amounts and requirements may change, so please confirm with the official guide before applying.